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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,621 | $86,949+52.5% | $102,460+29.4% | $80,959+63.8% |
| Participation rate | 62.5% | 72.4%-9.9pp | 76.5%-14.0pp | 67.7%-5.2pp |
| Annual return | 14.54% | 18.89%-4.4pp | 29.47%-14.9pp | 35.67%-21.1pp |
| Employer contribution / active EE | $2,296 | $2,370-3.1% | $3,025-24.1% | $2,757-16.7% |
| Participant deferral / active EE | $4,645 | $4,121+12.7% | $5,056-8.1% | $4,300+8.0% |
| Admin fee / account holder | $5,420 | $8,048-32.7% | $9,460-42.7% | $6,925-21.7% |